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Word on the Street: Applying for Long-Term Disability Benefits

Jul 18, 2022, 11:04 AM by MOSERS

True or False: Members older than age 60 cannot apply for MOSERS long-term disability (LTD) benefits.


A member may apply for LTD benefits at any age as long as they are not eligible for normal (unreduced) retirement. If approved, LTD benefits will end when the member:

  1. Is no longer disabled and/or returns to full-time active status or refuses available employment
  2. Starts receiving early (reduced) retirement
  3. Is eligible for normal (unreduced) retirement
  4. Starts receiving benefits under any other group LTD policy
  5. Passes away